rates when you have this massive type of youts you'll see all insurance companies, wheth you're in california, montana or new york, you're going to have, you know, going to have rates go up. the second things, used cars, same thing i katrina you have a whole bunch of cars taken off the market because they're not usable and all of a sudden used car prices go up, 10, 20, saw the up 20% reported last week d all the way across, diesel oil. we're going to see i across the state it's not just a northeast issue. >> brenda: gary k, what do you think of that? >> toby is absolutely right. whenever you have shortages with an event like this, especially in highly populated area, lumber, building materials, we can run the gamut here. prices go higher and costs go higher to business and consumers and that will definitively effect an economy. especially still trying to get up. a very tough thing to watch. >> brenda: gary b. is it having an impact or limited and temporary? >> the latter brenda, yes. look, it's the less, less temporary and less limited, i think the closer you were to the northeast. so, people